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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $54,240 | $82,879-34.6% | $96,576-43.8% | $67,986-20.2% |
| Participation rate | 48.7% | 75.2%-26.5pp | 81.4%-32.8pp | 57.2%-8.5pp |
| Annual return | 34.42% | 36.90%-2.5pp | 38.47%-4.1pp | 31.67%+2.8pp |
| Employer contribution / active EE | $0 | $2,727-100.0% | $3,553-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $4,748 | $6,976-31.9% | $7,956-40.3% | $3,358+41.4% |
| Admin fee / account holder | $2,751 | $2,783-1.2% | $11,381-75.8% | $3,203-14.1% |